For the TJet+, I've got the following quotes: Loan amount - Rs 745,000 Down payment - Rs 200,000 Tenure - 60 months Scheme - Advance EMI 1. Kotak - Rs 16,400 pm (at 11.5% ROI) 2. HDFC - Rs 16,600 (he said 12.5% ROI, but might revise it downwards as I'm a salary account holder and a Preferred customer) 3. SBI - Rs 16,180 pm (However, this is at 11.25% FLOATING rate). Is it advisable to go for SBI? I have heard some negative reviews about processing time. Also, in the current scenario, should one go for floating rates? I have heard varying degrees of reviews for SBI. But since my documents are in order, I do not think there should be any hindrance from my end.